Ground-up construction loans for builders and investors developing new properties in Arkansas. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Arkansas is a strong cash-flow market. Northwest Arkansas (Walmart HQ + supplier ecosystem) anchors long-term employment and rental demand. Little Rock adds state-capital + healthcare stability. Affordable acquisition basis makes the yield math work.
Bentonville and the surrounding Northwest Arkansas metro have grown around Walmart's global HQ, its supplier network, and Tyson Foods. Sustained employment growth drives real rental demand.
Little Rock, Fort Smith, and Arkansas secondary markets offer entry price-points that make cash-flow math work. Real cash-on-cash returns for buy-and-hold investors.
Arkansas statutes are considered landlord-friendly with predictable eviction timelines. Holding costs stay projectable.
Whether you're closing a single-asset SFR in a smaller Arkansas market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Pulaski County — state capital + healthcare hub
Bentonville, Fayetteville, Rogers, Springdale — Walmart HQ region
Sebastian County — Arkansas River Valley
Craighead County — Arkansas State University
Garland County — LTR + tourism-adjacent demand
Faulkner County — Little Rock-adjacent + UCA demand
Southern Arkansas secondary markets
Statewide coverage — send us any Arkansas property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Arkansas. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Arkansas — Little Rock, Northwest Arkansas, Fort Smith, Jonesboro, Hot Springs, and every other AR metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Arkansas. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Arkansas is a strong cash-flow market. Northwest Arkansas (Walmart HQ + supplier ecosystem) anchors long-term employment and rental demand. Little Rock adds state-capital + healthcare stability. Affordable acquisition basis makes the yield math work.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Arkansas investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Arkansas metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.